Frequently asked questions


Our most popular questions

The mortgage registration fee varies between states. The fee itself is the charge of registering a home loan, thus the property acts as security on that loan.
The government requires the home loan to be registered so that future claims on the property can be checked by prospectors. Oxcel’s stamp duty calculator can assist you in finding out how much you may need to pay in your state.
You can schedule a callback from a Home Loan Specialist by clicking here.

We apologise that you haven’t received your SMS confirmation code yet. Initially, it might be better to start the process again and be sent a new code to use.
If your code still hasn’t arrived, please contact one of our Home Loan Specialists.
Since stamp duty is an initial cost, lenders prefer if a borrower can support this cost through other means, such as personal savings.
However, in certain circumstances a lender may include this cost in the loan amount which may also include other costs such as Lenders Mortgage Insurance and ongoing product fees.
Stamp duty fees can also be covered through the use of a Guarantor Loan.
See how much stamp duty you might need to pay here.
Get free expert advice on your home loan. Choose a time to chat to one of our Home Loan Specialists today.
Unfortunately no.
During the application, only one person will be granted the the First Home Owner Grant (FHOG). However, before discussing your eligibility for the grant you must make sure that your partner or spouse has not previously received the grant in any Australian state or territory. Otherwise, you may not be permitted access.
You can schedule a callback from a Home Loan Specialist by clicking here.
Read our complete guide to the First Home Owners Grant here.
Yes, we may be able to help you depending on a number of factors. We consider the following:
the value of the property
your deposit or the size of your pension